Loss
Your parcel never arrives. The carrier declares it lost, or there is no update beyond the period set out in its terms.
What is covered, and what is not.
PackCover cover, limits, exclusions and claim windows.Everything is on this page.
Three protections, with no grey areas
Theft
Your parcel is stolen in transit or at the point of delivery, with or without forced entry.
Damage
The contents are damaged in transit, even when the packaging appears intact on arrival.
The essentials at a glance
- Basis of compensation
- The declared value of your parcel
- Cover limit
- €100,000 per shipment
- Premium
- From €1.35, paid per shipment, with no subscription or commitment
- Deductible
- Based on the declared value
- Time to report a claim
- 5 working days
- Territory
- France and international destinations
- Cover starts
- When the carrier takes possession of the parcel
- Cover ends
- On delivery to the recipient
What is not covered
We show it here, with the same prominence as the cover, rather than at the bottom of a separate page.
Indirect losses
Loss of profit, loss of business, commercial harm or reputational damage. Only direct physical damage is compensated.
Delay alone
A parcel delivered late but intact does not qualify for compensation.
Inherent defect
An item that deteriorates by itself, with no external cause connected to transport.
Inadequate packaging
Contents that are not suitably protected for their fragility and the selected shipping method.
Goods refused by the carrier
If your carrier prohibits the goods, no cover can override that rule. We check this before payment.
Items with no demonstrable value
An invoice, valuation or proof of purchase is needed to establish the value.
Intentional misconduct
By either the sender or the recipient.
Shipments declared afterwards
Cover must be purchased before the carrier takes possession of the parcel.
This summary is not contractual. Only the policy terms and conditions are binding.
What you can insure
Jewellery and watches
Artworks and collectables
High-tech and computing
Furniture and design
Musical instruments
Professional parts and equipment
These are precisely the categories that many carriers refuse or cap at a very low level. That is why PackCover exists.
See what your carrier providesWhat we ask you for when you make a claim
- 1
Report it online
From your client area, within the required window. We remind you before the deadline passes.
- 2
Gather the documents
An invoice or proof of value, photographs of the parcel and its contents, proof of shipment, and your correspondence with the carrier.
- 3
We check completeness
Your case is checked document by document before it is submitted. Nothing is sent incomplete.
- 4
Submission and tracking
The case is sent to the insurer only when complete, and you track its progress online.
Frequently asked questions about cover
What value am I compensated for?
Compensation is based on your parcel's declared and evidenced value, within the limit set by your cover.
Do I need to declare the value before shipping?
Yes. You must declare the value before the carrier takes possession of the parcel. It is used to establish your cover and its price.
What if my parcel arrives damaged but I did not record any reservations?
Report the damage as soon as you discover it and keep the parcel, its packaging and your evidence. Missing reservations can make the case harder to assess.
Does this cover replace the carrier's cover or sit alongside it?
PackCover covers your shipment under its own terms. Any compensation provided by the carrier is taken into account when the case is assessed.
Can I insure a parcel that has already been shipped?
No. You must purchase cover before the carrier takes possession of the parcel.
How long does compensation take?
Processing depends on a complete case and the insurer’s assessment. You can track progress online, and we tell you if any documents are missing.